Money First CEO

Harman
  • 5.0 (5)
  • Entrepreneurship

How do you build a business that truly supports your life?  I’m the Money First CEO. Over the past 5 years, I’ve grown a sustainable 6-figure business and built a 7-figure investment portfolio, not by working harder, but by managing money differently.  This podcast shares the real habits, honest lessons, and simple strategies that helped me and can help you build a business that puts profit and peace first.  If you’re ready to feel more confident with your cash and create long-term stability, you’re in the right place. New episodes every Monday.

  1. 12 hrs ago

    I Spent $20,000 in One Month on My Business. Here’s Why.

    This month Harman invested $20,000 back into her business. Not on a new car or a fancy rebrand. On four strategic investments that most business owners overlook. In this episode she breaks down exactly where every dollar went, the thinking behind each decision, and what it means to spend like a Money First CEO. If you have ever hesitated to hire a professional, avoided learning something new, or felt uncomfortable talking about money in your business, this episode is for you. What You Will Learn •       Why hiring a professional copywriter is one of the highest-return investments you can make •       How to approach AI as a business investment, not a trend to wait on •       The real reason avoiding sales is costing you clients, not saving you integrity •       A simple Profit First strategy for prepaying annual subscriptions at EOFY •       How to make spending decisions from data, not fear Key Timestamps •       [00:01:00] The $20k reveal and why Harman is sharing it •       [00:02:00] Investment 1: Professional copywriting for the Financial Calm System •       [00:05:00] Investment 2: AI retreat and why staying on the sidelines is a risk •       [00:07:00] Investment 3: Sales retreat and the truth about ethical selling •       [00:10:00] Investment 4: Annual subscription prepayments and EOFY tax strategy •       [00:13:00] Tying it all together: what it actually costs to build a business that lasts •       [00:16:00] Your one takeaway for this week "The business can only grow as fast as the person running it." 🎧 Thanks for listening to the Money First CEO Podcast! If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Link to expense review 🔗 Where to Find Harman: Website: www.blubookkeepers.com.au Instagram: @blubookkeepers     Facebook: @blubookkeepersau TikTok: @profitwithharman LinkedIn: Harman Johnston 📞 Ready to Take Control of Your Business Finances? Book a Free Discovery Call here 📩 Have a Question or Want to Be a Guest? Email me directly at: info@blubookkeepers.com.au

    17 min

  2. 21 June

    The Business Mistakes That Cost Me Time, Money and Growth

    Everyone loves talking about the wins. The new clients. The revenue milestones. The growth.    But what if the biggest lessons in business come from the mistakes?    In this honest and personal episode of Money First CEO, Harman Johnston shares the business mistakes that cost her time, money, energy and growth during the early years of building Blu Bookkeepers.    What You'll Learn:  • Why waiting too long to hire can stunt business growth  • The hidden cost of trying to do everything yourself  • Why being available 24/7 is hurting your business  • The importance of paying yourself consistently  • How to avoid burnout while still growing  • Why asking for help is a leadership skill    Listen to the full episode now! 🎧 Thanks for listening to the Money First CEO Podcast! If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Link to expense review 🔗 Where to Find Harman: Website: www.blubookkeepers.com.au Instagram: @blubookkeepers     Facebook: @blubookkeepersau TikTok: @profitwithharman LinkedIn: Harman Johnston 📞 Ready to Take Control of Your Business Finances? Book a Free Discovery Call here 📩 Have a Question or Want to Be a Guest? Email me directly at: info@blubookkeepers.com.au

    17 min

  3. 15 June

    Stop Doing It All: Why a Money First CEO Brings In the Experts

    Most business owners wear doing everything themselves like a badge of honour.  But what if doing it all is the very thing holding your business back?  In this episode of Money First CEO, Harman Johnston shares the lessons he learned the hard way about delegation, outsourcing, and letting go.  From copywriting and branding to ads, email marketing and bookkeeping, Harman breaks down the hidden cost of DIY and why trying to save money often costs far more in lost time, lower quality results, and missed opportunities.  If you’re constantly overwhelmed, stretched thin, and feel like the bottleneck in your business, this episode will help you think differently about outsourcing and leadership.  What You’ll Learn  • Why being across everything is different from doing everything  • The true cost of DIY in business  • How to calculate the value of your time  • The biggest mistakes Harman made trying to do everything himself  • Why outsourcing is an investment, not an expense  • When it’s time to hire a bookkeeper  • How Money First CEOs think about delegation  Key Takeaway  Your job is not to do everything.  Your job is to lead everything.  The fastest growing businesses are built by owners who focus on their strengths and surround themselves with experts.  Timestamps  00:00 Welcome  04:00 The trap of doing everything yourself  14:00 What I tried to do myself and why I stopped  26:00 Why bookkeeping is the perfect outsourcing example  50:00 How a Money First CEO thinks about outsourcing  56:00 Final thoughts and your next step  🎧 Thanks for listening to the Money First CEO Podcast! If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Link to expense review 🔗 Where to Find Harman: Website: www.blubookkeepers.com.au Instagram: @blubookkeepers     Facebook: @blubookkeepersau TikTok: @profitwithharman LinkedIn: Harman Johnston 📞 Ready to Take Control of Your Business Finances? Book a Free Discovery Call here 📩 Have a Question or Want to Be a Guest? Email me directly at: info@blubookkeepers.com.au

    16 min

  4. 7 June

    EOFY Without the Panic: 7 Things Every Business Owner Should Do Before June 30

    End of financial year isn't about tax. It's about making better business decisions. In this episode, Harman walks you through seven practical things every business owner should do before June 30 so you can close the year with clarity and start the new one with intention.  In this episode:  Why EOFY is a leadership moment, not just a compliance deadline Get your books up to date so every decision is based on real numbers Chase overdue invoices (one of our clients collected $42k in three days) Know exactly where your cash sits across every account Get a rough tax estimate before the bill arrives Review how the year actually went, revenue vs what you kept Pay yourself and explore tax savings before June 30 closes the window Set clear financial targets so next year has direction   Mentioned in this episode:  Profit First system and account allocations The importance of super being received by the fund before June 30 How a $25k super contribution saved one client $8k in tax   Ready to get clarity on your numbers before June 30?  Book a free discovery call with Harman at blubookkeepers.com.au 🎧 Thanks for listening to the Money First CEO Podcast! If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Link to expense review 🔗 Where to Find Harman: Website: www.blubookkeepers.com.au Instagram: @blubookkeepers     Facebook: @blubookkeepersau TikTok: @profitwithharman LinkedIn: Harman Johnston 📞 Ready to Take Control of Your Business Finances? Book a Free Discovery Call here 📩 Have a Question or Want to Be a Guest? Email me directly at: info@blubookkeepers.com.au

    13 min

  5. 31 May

    The Number Every Business Owner Should Know But Doesn’t

    Most business owners know their revenue. Some know how many clients they have. Very few know the one number that tells them whether their business is actually working. Their profit margin. In this episode of Money First CEO, Harman Johnston breaks down why so many business owners are operating without this critical number, even when they’re generating six figures a month. You’ll learn how to calculate your profit margin, why revenue can create a false sense of success, and how understanding this one number can completely change the way you make decisions as a CEO. Harman also shares a real client story that highlights what happens when you finally gain financial clarity and stop guessing where the money is going. What You’ll Learn • The number every business owner should know • The difference between gross profit and net profit • How to calculate your profit margin • Why revenue does not equal financial health • The four reasons most business owners avoid their numbers • How Profit First creates visibility and control • Why weekly money dates are a game changer • The CEO mindset shift that changes everything Key Takeaway -Revenue tells you what came in. -Profit tells you what you kept. -If you don’t know your profit margin, you’re making decisions in the dark. Timestamps 00:00 Welcome 01:00 The number every business owner should know 02:30 How to calculate profit margin 04:00 Gross profit vs net profit 05:00 Why business owners avoid their numbers 08:00 Client story and financial breakthrough 10:00 The Financial Calm System 11:00 Four practical steps to improve visibility 13:00 Money blocks and CEO thinking 14:00 Next steps Listen now and discover the number that could change the way you run your business. 🎧 Thanks for listening to the Money First CEO Podcast! If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Link to expense review 🔗 Where to Find Harman: Website: www.blubookkeepers.com.au Instagram: @blubookkeepers     Facebook: @blubookkeepersau TikTok: @profitwithharman LinkedIn: Harman Johnston 📞 Ready to Take Control of Your Business Finances? Book a Free Discovery Call here 📩 Have a Question or Want to Be a Guest? Email me directly at: info@blubookkeepers.com.au

    15 min

  6. 24 May

    What I've Been Hearing From Business Owners This Month

    EOFY is coming. And right now, a lot of business owners are feeling the pressure. Not because their business is failing. Not because revenue is low. But because they still do not feel in control of their money. In this honest anniversary episode of Money First CEO, Harman Johnston shares the real conversations happening behind the scenes with business owners right now. The stress. The confusion. The “where did all the money go?” moments. If you are making decent revenue but still feel anxious about tax, cash flow, or profit, this episode will hit home. Harman breaks down the biggest patterns she is seeing this month, why growth without structure creates more chaos, and how business owners can finally create financial calm heading into EOFY. This episode is emotional, practical, and a reminder that you are not alone. What You Will Learn: ·       Why business owners still feel broke despite good revenue ·       The real reason EOFY feels stressful ·       Why your bank balance creates false confidence ·       How growth amplifies money problems without structure ·       What Profit First changes inside your business ·       The difference between reacting and operating like a CEO ·       How the Financial Calm System helps business owners feel in control again Key Takeaway: The problem is not your revenue. The problem is the lack of visibility and structure around your money. When you know where your money is going, business feels calmer. Timestamps: 00:00 Welcome to Money First CEO  01:00 Anniversary reflections and behind the scenes  02:00 EOFY pressure for business owners  03:00 Why revenue still feels tight  04:00 The tax stress conversation  05:00 Growth without structure creates chaos  06:00 The masterclasses and biggest lessons  07:00 Why clarity changes everything  08:00 The Financial Calm System explained  09:00 Your next step heading into EOFY If this episode hit home, listen to the full episode and book a discovery call to learn how to create financial calm in your business. Available on Spotify, Apple Podcasts, and our website. 🎧 Thanks for listening to the Money First CEO Podcast! If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Link to expense review 🔗 Where to Find Harman: Website: www.blubookkeepers.com.au Instagram: @blubookkeepers     Facebook: @blubookkeepersau TikTok: @profitwithharman LinkedIn: Harman Johnston 📞 Ready to Take Control of Your Business Finances? Book a Free Discovery Call here 📩 Have a Question or Want to Be a Guest? Email me directly at: info@blubookkeepers.com.au

    8 min

  7. 14 May

    Why Your Business Makes Money… But You Still Feel Broke

    In this episode of Money First CEO, Harman Johnston breaks down one of the biggest frustrations service-based business owners face: “Why does my business look successful… but I still feel broke?” If your revenue is growing but your bank account tells a different story, this episode explains exactly why. Harman shares:  Why revenue growth alone does not create financial clarity  The real reason business owners constantly feel cash flow pressure  Why BAS time keeps becoming stressful  The hidden problem with running everything through one bank account  How Profit First creates structure and calm  The 3-step Financial Calm System used to help business owners regain control in 90 days You’ll also hear real client examples from Australian service businesses who were generating strong revenue but still struggling with:  inconsistent owner pay  tax stress  cash flow uncertainty  overspending without realising  feeling anxious every time they opened Xero This episode is for business owners who are:  making good money but still stressed about cash flow  paying themselves last  avoiding the numbers  ready to stop guessing and build a proper financial system Your takeaway from this episode: Open your banking app and count how many accounts your business money sits in. If the answer is one, that’s your starting point. 🎧 Thanks for listening to the Money First CEO Podcast! If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Link to expense review 🔗 Where to Find Harman: Website: www.blubookkeepers.com.au Instagram: @blubookkeepers     Facebook: @blubookkeepersau TikTok: @profitwithharman LinkedIn: Harman Johnston 📞 Ready to Take Control of Your Business Finances? Book a Free Discovery Call here 📩 Have a Question or Want to Be a Guest? Email me directly at: info@blubookkeepers.com.au

    21 min

  8. 4 May

    If I Had to Start Again from $0… This Is Exactly What I’d Do

    Most business owners think growth comes first. More clients. More revenue. More momentum. But that is not what creates a stable business. In this 50th episode of Money First CEO, Harman Johnston breaks down exactly what she would do if she had to start again from zero. No audience. No clients. No reputation. Just a clean slate. This is not theory. This is hindsight from real experience. If your business is growing but still feels harder than it should, this episode will reset how you think about money, structure, and decision making. What You Will Learn: • Why your money system should come before revenue • The five bank accounts every business needs from day one • Why paying yourself early changes everything • The three numbers every CEO must understand • How to avoid expensive mistakes by building the right financial team • Why discipline beats growth when building a sustainable business • The difference between being busy and building something that lasts Key Takeaway: Do not build growth first. Build control first. Because a business that makes money but does not keep it will always feel harder than it should. Timestamps: 00:00 Introduction 01:00 The question: starting from zero 02:00 Why money structure comes first 03:00 The five bank accounts 04:00 Setting percentages early 05:00 Paying yourself from day one 06:00 Building your financial team 07:00 The three numbers that matter 08:00 Weekly money routine 09:00 Being ruthless with expenses 10:00 Hiring and leverage 11:00 Networking with intention 12:00 Final framework 🎧 Thanks for listening to the Money First CEO Podcast! If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Link to expense review 🔗 Where to Find Harman: Website: www.blubookkeepers.com.au Instagram: @blubookkeepers     Facebook: @blubookkeepersau TikTok: @profitwithharman LinkedIn: Harman Johnston 📞 Ready to Take Control of Your Business Finances? Book a Free Discovery Call here 📩 Have a Question or Want to Be a Guest? Email me directly at: info@blubookkeepers.com.au

    19 min
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About

How do you build a business that truly supports your life?  I’m the Money First CEO. Over the past 5 years, I’ve grown a sustainable 6-figure business and built a 7-figure investment portfolio, not by working harder, but by managing money differently.  This podcast shares the real habits, honest lessons, and simple strategies that helped me and can help you build a business that puts profit and peace first.  If you’re ready to feel more confident with your cash and create long-term stability, you’re in the right place. New episodes every Monday.

Information

  • Creator
    Harman
  • Years Active
    2025 - 2026
  • Episodes
    58
  • Rating
    Explicit
  • Copyright
    © 2026 Money First CEO
  • Show Website
    Money First CEO